1、GLOBAL PAYMENTS REPORT 2025R E G U L AT I O N,AU T H E N T I C AT I O N,S E C U R I T Y 2RAVELINCONTENTSC O N T E N T S3 INTRODUCTION5 SECTION A:AUTHENTICATION REPORT 3D Secure success rates globally,per-card scheme,and per-country,as well as frictionless rates,all from Ravelins internal data.AUSTRA

2、LIAAUSTRIABELGIUMBRAZILBULGARIACANADACHINACROATIACYPRUSCZECH REPUBLICDENMARKESTONIAFINLANDFRANCEGERMANYGREECEHUNGARYICELANDINDIAIRELANDITALYLATVIALITHUANIALUXEMBOURGMALTANETHERLANDSNORWAYPOLANDPORTUGALROMANIASLOVAKIASLOVENIASOUTH AFRICASPAINSWEDENUNITED KINGDOMUNITED STATES27 SECTION B:REGULATIONS A

3、NALYSIS The state of payments authentication,regulation and compliance in 2025,advice to merchants and PSPs,and global regulations map.32 SECTION C:ATTITUDES TO AUTHENTICATION,PAYMENTS AND PAYMENT FRAUD What do merchants really think about payments and authentication?Findings and takeaways from our

4、survey of 1453 merchants.39 METHODOLOGY|GLOBAL PAYMENTS REPORT 20253|GLOBAL PAYMENTS REPORT 2025RAVELININTRODUCTIONIf you accept card payments online,then authentication,regulation and fraud are likely to be an area of concern.Ever-shifting card scheme expectations,protocols,legislation and fraudste

5、r tactics can make this a complicated topic to keep track of.Thats why Ravelin is releasing the Payments Report 2025.The Payments Report is an update of our well-received previous regulation and authentication report.This time,weve enriched it with new sections,additional data and deeper analysis.Yo

6、ull find three sections,homing in on:INTRODUCTIONSECTION AAuthentication report:Ravelins 3D Secure data from around the worldWe hope it provides you with valuable insights into what works and what doesnt in online payments,what to anticipate in the future and what to watch out for.Enjoy reading!The